| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4 RADNOR CORPORATE CENTER SUITE 500 RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | — | — | $0 | 0.00% |
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE STE 101 MT LAUREL, NJ 08054 | UNITED AMERICAN INSURANCE COMPANY | $142K | — | $142K | 2.11% |
| DE VALLEY HEALTH CARE COALITION3 | 2980 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYLVANIA | $19K | — | $19K | 0.47% |
| ROBERT BERGMAN3 | 123 KILBURN DRIVE CHERRY HILL, NJ 08003 | AMALGAMATED LIFE | $45K | — | $45K | 6.00% |
| JOHN H BLASCH3 | 71 BEECHWOOD LANE BERKELEY HEIGHTS, NJ 07922 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $26K | — | $26K | 10.00% |
| DE VALLEY HEALTH CARE COALITION3 | 2980 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYLVANIA FOR RESIDENTIAL | $647 | — | $647 | 0.47% |
| ROBERT BERGMAN3 | 123 KILBURN DRIVE CHERRY HILL, NJ 08003 | AMALGAMATED LIFE | $8K | — | $8K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $645K |
| GEMGROUP, INC. EIN 26-1603738 NONE | Contract Administrator Service code 13 | — | $342K |
| ENVISION RX EIN 90-1011712 NONE | Claims processing Service code 12 | — | $166K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Other fees Service code 99 | — | $69K |
| DANIEL A. WINTERS & COMPANY, CPAS EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $60K |
| CLEARY, JOSEM & TRIGIANI, LLP EIN 23-2657967 NONE | Legal Service code 29 | — | $46K |
| EMPLOYEE A EIN 23-2715454 NONE | Employee (plan) Service code 30 | — | $44K |
| SAGE ADVISORY SERVICES, LTD CO. NONE | Investment management Service code 28 | 5900 SOUTHWEST PARKWAY, BUILDING 1 AUSTIN, TX 78735 | $39K |
| JACOBY DONNER, P.C. EIN 23-2220388 NONE | Legal Service code 29 | — | $34K |
| KENNEDY PRINTING CO., INC. EIN 23-1699861 NONE | Copying and duplicating Service code 36 | — | $33K |
| BLACKROCK INSTITUTIONAL TRUST CO. EIN 94-3112180 NONE | Investment management; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Trustee (discretionary); Direct payment from the plan Service code 21 | — | $27K |
| STEAMFITTERS LU 420 BUILDING FUND EIN 37-1424586 UNION AFFILIATE | Other fees Service code 99 | — | $23K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 22-2998772 NONE | Claims processing Service code 12 | — | $21K |
| MANCINE OPTICAL CO, INC NONE | Other fees Service code 99 | 2910 ROUTE 130 NORTH DELRAN, NJ 08075 | $20K |
| THE SAVITZ ORGANIZATION, INC. EIN 23-1700844 NONE | Actuarial Service code 11 | — | $11K |
| MORGAN STANLEY WEALTH MGMT NONE | Investment management Service code 28 | 31 WEST 52ND STREET, 23RD FLOOR NEW YORK, NY 10019 | $6K |
| PNC BANK, N.A. EIN 25-1211909 NONE | Distribution (12b-1) fees; Investment management; Float revenue; Custodial (securities); Soft dollars commissions Service code 19 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,570 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 3,804 | $7.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 10,326 | $4.1M |
| Life insurance(3 contracts, 2 carriers) | AMALGAMATED LIFE | 3,826 | $1.1M |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 3,804 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,326 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.